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Score Jumps from Decreasing Debt

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Anonymous
Not applicable

Re: Score Jumps from Decreasing Debt

I'm sure you've all went through this before so - I've been using CreditKarma for scores...I just got my reports from myFICO and my credit scores are higher. New to the forum never knew there was so much variablity btw CK and actual fico. so scores are: 659 TU 596 EX Still going for 700 + across the board. I really like the myFico score reporter and simulator.
Message 11 of 15
CreditCuriosity
Moderator Emeritus

Re: Score Jumps from Decreasing Debt


@Anonymous wrote:
I'm sure you've all went through this before so - I've been using CreditKarma for scores...I just got my reports from myFICO and my credit scores are higher. New to the forum never knew there was so much variablity btw CK and actual fico. so scores are: 659 TU 596 EX Still going for 700 + across the board. I really like the myFico score reporter and simulator.

Although MyFico might not like this, I would suggest looking into CCT by Experian...  Daily Exp Ficos and three reports a months Fico08 for EQ/TU.. Better deal and better product for probably what you want/need.  $29,99 /mo $1 for first reports then cancel before 7 days and they offer half price for 2 to 5 years, no contract so approx $15 a month..  MyFico needs to step up the game and become competive in the game again on the 3b credit monitoring service and do a better job on triggering updates vs. bad lags.  Competition is healthly for everyone.

Message 12 of 15
Anonymous
Not applicable

Re: Score Jumps from Decreasing Debt


@CreditCuriousity wrote:

@Anonymous wrote:
I'm sure you've all went through this before so - I've been using CreditKarma for scores...I just got my reports from myFICO and my credit scores are higher. New to the forum never knew there was so much variablity btw CK and actual fico. so scores are: 659 TU 596 EX Still going for 700 + across the board. I really like the myFico score reporter and simulator.

Although MyFico might not like this, I would suggest looking into CCT by Experian...  Daily Exp Ficos and three reports a months Fico08 for EQ/TU.. Better deal and better product for probably what you want/need.  $29,99 /mo $1 for first reports then cancel before 7 days and they offer half price for 2 to 5 years, no contract so approx $15 a month..  MyFico needs to step up the game and become competive in the game again on the 3b credit monitoring service and do a better job on triggering updates vs. bad lags.  Competition is healthly for everyone.


I completely agree! I'm actually quite dissatisfied with the myfico product compared to the CCT by Experian. The irregular updates make the product subpar and frustrating. Sorry if my opinion ruffles feathers but that is the truth of it.

Message 13 of 15
_NERD
Established Contributor

Re: Score Jumps from Decreasing Debt

I never tried MyFico. I started CCT over the weekend and I love it.

Congrats to OP for the increase. Keep at it.

3B profile optimization in progress...
Message 14 of 15
Anonymous
Not applicable

Re: Score Jumps from Decreasing Debt

A month later, what were you score increases?

Message 15 of 15
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